UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals)
Silver · EPO · UnitedHealthcare · Alabama
At age 40 it costs between $619.40 and $1,123.90 a month before any subsidy, depending on which county you live in — a marketplace plan is priced per rating area, not per state.
What this Silver plan costs if your income qualifies
Below certain incomes the marketplace improves a Silver plan's cost sharing automatically — you do not apply for it, and it happens on Silver and on no other metal level. The premium does not change; the deductible and what you pay at the doctor do.
| If your income is | Deductible | Most you could pay in a year | Primary care | Generic drugs |
|---|---|---|---|---|
| Above 250%, or not applied for | $0 | $10,150 | $15 | $10 |
| up to 150% of the federal poverty level | $0 | $1,500 | $3 | $1 |
| 150% to 200% | $0 | $3,350 | $5 | $4 |
| 200% to 250% | $0 | $8,100 | $10 | $10 |
CMS calls these cost-sharing reductions. The percentages are actuarial values, not discounts. HealthCare.gov works out which one you get from the income you report when you apply.
What CMS publishes about it
| Plan ID | 69461AL0120005 |
|---|---|
| Insurer | UnitedHealthcare |
| Metal level | Silver |
| Plan type | EPO |
| Deductible (individual) | $0 |
| Deductible (family) | $0 |
| Drug deductible | $3,500 |
| Most you could pay in a year | $10,150 |
| Family maximum | $20,300 |
| Primary care visit | $15 |
| Specialist visit | $95 |
| Emergency room | $1,500 |
| Inpatient stay | $2,500 Copay per Day |
| Generic drugs | $10 |
| Preferred brand drugs | $100 Copay after deductible |
| Specialty drugs | 50% Coinsurance after deductible |
| Adult dental included | Yes |
| Child dental included | Yes |
| Share of premium buying essential health benefits | 97.29% |
| Network directory | Who is in network |
| Summary of benefits | Summary of benefits and coverage |
| Drug list | Formulary |
| Customer service | 1-888-200-0327 · TTY 1-888-200-0327 |
Where it is sold, and what it costs there
56 counties. The premium is the price before any tax credit; what you pay depends on your income.
| County | At 21 | At 30 | At 40 | At 50 | At 60 |
|---|---|---|---|---|---|
| Calhoun County | $484.66 | $550.09 | $619.40 | $865.60 | $1,315.37 |
| Mobile County | $515.61 | $585.22 | $658.96 | $920.89 | $1,399.38 |
| Etowah County | $519.81 | $589.99 | $664.32 | $928.39 | $1,410.77 |
| Greene County | $524.39 | $595.18 | $670.17 | $936.56 | $1,423.19 |
| Hale County | $524.39 | $595.18 | $670.17 | $936.56 | $1,423.19 |
| Tuscaloosa County | $524.39 | $595.18 | $670.17 | $936.56 | $1,423.19 |
| Colbert County | $548.48 | $622.52 | $700.96 | $979.58 | $1,488.57 |
| Lauderdale County | $548.48 | $622.52 | $700.96 | $979.58 | $1,488.57 |
| Lawrence County | $555.98 | $631.04 | $710.55 | $992.98 | $1,508.94 |
| Morgan County | $555.98 | $631.04 | $710.55 | $992.98 | $1,508.94 |
| Geneva County | $560.64 | $636.32 | $716.50 | $1,001.30 | $1,521.57 |
| Henry County | $560.64 | $636.32 | $716.50 | $1,001.30 | $1,521.57 |
| Houston County | $560.64 | $636.32 | $716.50 | $1,001.30 | $1,521.57 |
| Bibb County | $583.43 | $662.19 | $745.62 | $1,042 | $1,583.42 |
| Blount County | $583.43 | $662.19 | $745.62 | $1,042 | $1,583.42 |
| Chilton County | $583.43 | $662.19 | $745.62 | $1,042 | $1,583.42 |
| Jefferson County | $583.43 | $662.19 | $745.62 | $1,042 | $1,583.42 |
| Saint Clair County | $583.43 | $662.19 | $745.62 | $1,042 | $1,583.42 |
| Shelby County | $583.43 | $662.19 | $745.62 | $1,042 | $1,583.42 |
| Walker County | $583.43 | $662.19 | $745.62 | $1,042 | $1,583.42 |
| Baldwin County | $584.15 | $663.01 | $746.55 | $1,043.29 | $1,585.39 |
| Barbour County | $584.15 | $663.01 | $746.55 | $1,043.29 | $1,585.39 |
| Bullock County | $584.15 | $663.01 | $746.55 | $1,043.29 | $1,585.39 |
| Chambers County | $584.15 | $663.01 | $746.55 | $1,043.29 | $1,585.39 |
| Cherokee County | $584.15 | $663.01 | $746.55 | $1,043.29 | $1,585.39 |
| Choctaw County | $584.15 | $663.01 | $746.55 | $1,043.29 | $1,585.39 |
| Clarke County | $584.15 | $663.01 | $746.55 | $1,043.29 | $1,585.39 |
| Clay County | $584.15 | $663.01 | $746.55 | $1,043.29 | $1,585.39 |
| Cleburne County | $584.15 | $663.01 | $746.55 | $1,043.29 | $1,585.39 |
| Coffee County | $584.15 | $663.01 | $746.55 | $1,043.29 | $1,585.39 |
| Conecuh County | $584.15 | $663.01 | $746.55 | $1,043.29 | $1,585.39 |
| Coosa County | $584.15 | $663.01 | $746.55 | $1,043.29 | $1,585.39 |
| Cullman County | $584.15 | $663.01 | $746.55 | $1,043.29 | $1,585.39 |
| Dale County | $584.15 | $663.01 | $746.55 | $1,043.29 | $1,585.39 |
| De Kalb County | $584.15 | $663.01 | $746.55 | $1,043.29 | $1,585.39 |
| Escambia County | $584.15 | $663.01 | $746.55 | $1,043.29 | $1,585.39 |
| Fayette County | $584.15 | $663.01 | $746.55 | $1,043.29 | $1,585.39 |
| Franklin County | $584.15 | $663.01 | $746.55 | $1,043.29 | $1,585.39 |
| Jackson County | $584.15 | $663.01 | $746.55 | $1,043.29 | $1,585.39 |
| Macon County | $584.15 | $663.01 | $746.55 | $1,043.29 | $1,585.39 |
| Marengo County | $584.15 | $663.01 | $746.55 | $1,043.29 | $1,585.39 |
| Marion County | $584.15 | $663.01 | $746.55 | $1,043.29 | $1,585.39 |
| Marshall County | $584.15 | $663.01 | $746.55 | $1,043.29 | $1,585.39 |
| Perry County | $584.15 | $663.01 | $746.55 | $1,043.29 | $1,585.39 |
| Pickens County | $584.15 | $663.01 | $746.55 | $1,043.29 | $1,585.39 |
| Pike County | $584.15 | $663.01 | $746.55 | $1,043.29 | $1,585.39 |
| Randolph County | $584.15 | $663.01 | $746.55 | $1,043.29 | $1,585.39 |
| Sumter County | $584.15 | $663.01 | $746.55 | $1,043.29 | $1,585.39 |
| Talladega County | $584.15 | $663.01 | $746.55 | $1,043.29 | $1,585.39 |
| Tallapoosa County | $584.15 | $663.01 | $746.55 | $1,043.29 | $1,585.39 |
| Washington County | $584.15 | $663.01 | $746.55 | $1,043.29 | $1,585.39 |
| Winston County | $584.15 | $663.01 | $746.55 | $1,043.29 | $1,585.39 |
| Limestone County | $635.47 | $721.26 | $812.14 | $1,134.96 | $1,724.68 |
| Madison County | $635.47 | $721.26 | $812.14 | $1,134.96 | $1,724.68 |
| Lee County | $707.29 | $802.78 | $903.92 | $1,263.22 | $1,919.59 |
| Russell County | $879.42 | $998.14 | $1,123.90 | $1,570.65 | $2,386.75 |
Open enrollment for 2026 coverage runs 1 November 2025 to 15 January 2026 in most states. Outside that window you need a qualifying life event — losing other coverage, moving, marrying, having a child — to enrol.
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Premiums, deductibles, out-of-pocket maximums and cost sharing are reproduced from the HealthCare.gov Qualified Health Plan landscape file published by the Centers for Medicare & Medicaid Services for plan year 2026. Nothing on this page is calculated by us. This is not a complete list of your options and it is not advice: to see every plan and to enrol, use HealthCare.gov or call 1-800-318-2596.